Finlockremovals.co.uk Reviews

Based on checking the website, Finlockremovals.co.uk appears to be a specialized service focusing on the removal and replacement of concrete Finlock gutters with uPVC alternatives across England and Wales.

The site highlights their experience, specialized teams, and a commitment to customer service, offering free quotes without site visits.

However, a significant aspect presented on their homepage is the offer of “Buy Now Pay Later” finance options, stating they are “FCA Approved” to offer such services.

This directly relates to interest-based financial transactions Riba, which are impermissible in Islam.

Engaging in or promoting Riba, whether through conventional loans, credit cards, or “Buy Now Pay Later” schemes that involve interest or hidden fees that mimic interest, is strictly forbidden.

Such transactions, while seemingly convenient, carry spiritual and moral detriments that far outweigh any perceived financial benefits.

Instead of resorting to interest-based financing for home improvements, Muslims are encouraged to explore Halal financing alternatives or, more ideally, to save and pay for services upfront.

This aligns with Islamic principles of honest trade, ethical conduct, and financial purity.

Seeking to remove Finlock gutters for home maintenance is a permissible activity, but the method of financing must adhere to Islamic guidelines.

Prioritizing savings and making cash payments, or seeking out truly Halal financial institutions that offer Sharia-compliant contracts, are the recommended paths.

This ensures blessings Barakah in one’s home and financial dealings, avoiding the negative consequences associated with Riba.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Finlockremovals.co.uk Review & First Look

Finlockremovals.co.uk presents itself as a dedicated specialist in the removal of concrete Finlock gutters and their replacement with uPVC systems.

Upon a first look, the website is clean, professional, and relatively easy to navigate, clearly outlining the service they provide.

The homepage immediately emphasizes their expertise, the problems associated with Finlock gutters, and the benefits of their uPVC replacement solution.

Specialization in Concrete Gutter Removal

The site’s primary focus is explicitly on Finlock gutter removal, differentiating them from general roofing or guttering companies.

This specialization is highlighted as a key strength, suggesting a deep understanding and refined process for this particular type of work. Detourmenswear.com Reviews

They claim to have “5 teams that work nationwide removing Finlock concrete gutters… all day, every day and that is all we do.” This level of specialization could appeal to homeowners specifically facing issues with concrete gutters.

Customer-Centric Approach and Accessibility

Finlockremovals.co.uk aims to simplify the process for potential clients.

They offer “hassle-free process, including complimentary quotes that require no in-person house visits.” This online quote system is pitched as “quick and easy” and taking “only around 10 minutes,” which could be a significant convenience for busy homeowners.

The website also emphasizes “reliable, friendly service” and “dedicated customer after-care,” indicating a focus on client satisfaction beyond the initial installation.

Immediate Red Flag: FCA Approved for Finance Options

While many aspects of the service seem straightforward, the prominent display of “FCA Approved” status specifically for offering “finance options” like “Buy Now Pay Later” from as little as £45 a month or £54 per month with £0 deposit is a critical point of concern. Connecteninternet.com Reviews

This indicates the facilitation of interest-based loans, which are considered Riba and strictly forbidden in Islam.

The site explicitly states, “We are the only concrete guttering replacement company to be approved by the FCA, this means we are the only company that can offer you finance options on your new guttering.” This emphasis on conventional financing methods presents a significant barrier for Muslims seeking Sharia-compliant home improvements.

Finlockremovals.co.uk Cons

Based on the information presented on their website, Finlockremovals.co.uk has some notable drawbacks, particularly when viewed through an Islamic ethical lens.

Promotion of Interest-Based Financing Riba

The most significant con is their prominent promotion of “Buy Now Pay Later” and other finance options.

While they state they are “FCA Approved” and this might be seen as a mark of trustworthiness in conventional finance, for a Muslim consumer, it’s a direct red flag. Myradental.co.uk Reviews

• Direct Conflict with Islamic Principles: The offering of credit and finance schemes, especially those with monthly payments and implied interest, falls under the category of Riba usury, which is strictly forbidden in Islam. Allah states in the Quran 2:275, “Those who consume interest will not stand except as one stands who is being beaten by Satan into insanity. That is because they say, ‘Trade is like interest.’ But Allah has permitted trade and forbidden interest.”
• No Halal Alternatives Offered: The website does not provide any alternative payment methods or partnerships that align with Islamic finance principles. This forces Muslim consumers seeking their services into potentially impermissible financial arrangements.
• “Spread the cost From as little as £45 a month” and “Buy Now Pay Later… for as little as £54 per month with £0 deposit”: These statements, while appealing to those seeking immediate solutions without full upfront payment, inherently lead to interest or fees equivalent to interest over time.

Limited Transparency on Pricing Without Quote

While offering a free quote without a site visit is convenient, the website provides no indicative pricing whatsoever. This means potential customers cannot get even a ballpark figure before engaging in the quote process.

• Lack of Pricing Tiers: There are no examples of typical project costs, even broad ranges, which makes it difficult for homeowners to budget or compare value without committing time to a quote.
• Reliance on Sales Process: The absence of pricing information means a customer must go through their specific quotation process, potentially involving a sales pitch, before understanding the financial commitment.

Over-reliance on “Call to Action” for Quotes

The website is heavily geared towards getting users to request a free quote, with “Get a Free Quote” buttons prominently displayed across multiple sections.

While this is standard for service-based businesses, the lack of other preliminary information like pricing or detailed service breakdowns can feel like a push towards sales engagement rather than pure information dissemination.

Customer Testimonials are Lacking Detail

While the website features testimonials with names and locations, they are brief and lack specific details about the scope of work, cost, or timeline, which would provide more comprehensive social proof.

• Generic Praise: Phrases like “completely transformed the look,” “resolved that problem,” and “fantastic job” are positive but don’t offer much insight into the specific challenges faced or how Finlock Removals uniquely addressed them.
• No Star Ratings or Independent Review Links: The testimonials are presented directly on their site without links to external, independent review platforms like Trustpilot, Google Reviews, etc., which could offer more verifiable and diverse feedback.

Finlockremovals.co.uk Alternatives

For homeowners looking to address concrete Finlock gutter issues while adhering to Islamic financial principles and seeking alternative approaches, several options exist beyond direct engagement with services that promote interest-based financing. Qcs.co.uk Reviews

The key is to prioritize ethical financial conduct and sustainable solutions.

Saving and Paying Upfront

The most virtuous and financially sound alternative is to save the necessary funds and pay for the service upfront in cash.

• Eliminates Riba: This completely avoids any form of interest, aligning perfectly with Islamic teachings. “Indeed, Allah destroys interest and gives increase for charities” Quran 2:276.
• Better Bargaining Power: Cash payments often give customers stronger negotiation leverage for discounts or added services.
• Financial Discipline: It cultivates healthy financial habits and removes the burden of debt.
• Long-Term Barakah: Funds earned and spent in a permissible manner are blessed by Allah, bringing peace of mind and true prosperity.

Exploring Halal Financing Options If Absolutely Necessary

If upfront payment isn’t immediately feasible and the gutter replacement is urgent, it’s crucial to seek out genuinely Sharia-compliant financing.

• Islamic Banks and Financial Institutions: In some regions, Islamic banks offer home improvement financing through models like Murabaha cost-plus financing or Ijarah leasing. In these models, the bank buys the service/materials and then sells/leases them to the customer at an agreed-upon profit, without involving interest.
• Takaful Islamic Insurance: While not direct financing, Takaful cooperative insurance models can offer protection against unforeseen home repair costs without engaging in conventional insurance’s interest or uncertainty elements.
• Qard Hassan Benevolent Loan: In some community settings, individuals might be able to secure a Qard Hassan, which is an interest-free loan from a benevolent individual or organization, repaid over time. This is a rare but highly virtuous option.

Engaging General Contractors or Local Roofers

Instead of a highly specialized company, consider obtaining quotes from reputable general contractors or local roofing and guttering companies.

• Broader Service Range: These companies may offer more flexible payment terms e.g., staged payments as work progresses that don’t involve third-party financing.
• Local Reputation: Local businesses often rely heavily on word-of-mouth and community reputation, which can be a strong indicator of reliability.
• Negotiation: Direct negotiation with a local business owner might yield a better price or payment structure without financial intermediaries.
• Check for Certification: Ensure any contractor is properly certified e.g., through national trade bodies like the National Federation of Roofing Contractors and insured.

DIY If Skilled and Safe or Partial DIY

For minor issues or parts of the job, a very skilled and safety-conscious homeowner might consider a DIY approach, but this is highly discouraged for Finlock removal due to the inherent risks and complexities. Playermaker.com Reviews

• For Minor Repairs: Simple leaks or small sections might be temporarily patched by an experienced DIYer, but Finlock gutters often indicate structural issues requiring professional attention.
• Safety First: Working at height is extremely dangerous. Professional Finlock removal often involves specialized access equipment and expertise to safely remove heavy concrete sections. This is NOT a typical DIY job.

Community Support and Zakat/Sadaqah in dire need

In cases of extreme financial hardship where Finlock gutter issues pose an immediate threat to the home’s habitability and no other options are available, seeking assistance from Zakat or Sadaqah funds could be considered, provided one meets the criteria for receiving such aid.

This is a measure of last resort for those truly in need.

The takeaway: While Finlockremovals.co.uk offers a specific service, the financial mechanisms they promote are problematic from an Islamic perspective. Muslims should proactively seek alternatives that uphold their faith’s principles, prioritizing cash payments, exploring Sharia-compliant financing, or engaging with local contractors who offer straightforward payment terms.

How to Cancel finlockremovals.co.uk Subscription

Based on the information available on Finlockremovals.co.uk, they provide a one-off service for gutter removal and replacement, not a subscription service.

Therefore, there is no “subscription” to cancel in the traditional sense of a recurring payment or service. Purrandmutt.com Reviews

Once the work is completed and paid for, the business relationship typically concludes, aside from any warranty claims.

However, if you have entered into a finance agreement facilitated by Finlockremovals.co.uk e.g., a “Buy Now Pay Later” scheme, then you would need to cancel or manage that finance agreement with the third-party lender, not with Finlockremovals.co.uk directly as a subscription.

Cancelling a Finance Agreement if applicable

If you have signed up for a finance option through Finlockremovals.co.uk, here’s how you might proceed, keeping in mind that the specific steps depend on the finance provider:

1. Identify the Finance Provider: The first step is to identify the specific financial institution that is providing the “Buy Now Pay Later” or loan facility. This information should be clearly stated in the finance agreement you signed. It is usually a third-party bank or credit provider, not Finlockremovals.co.uk themselves.
2. Review Your Finance Agreement: Carefully read the terms and conditions of your finance agreement. Look for clauses related to:
   • Cooling-Off Period Cancellation Rights: Many finance agreements in the UK come with a cooling-off period e.g., 14 days under the Consumer Credit Act for regulated agreements during which you can cancel without penalty.
   • Early Repayment Options: Check if you can repay the loan early and if there are any early settlement fees.
   • Dispute Resolution: Understand the process if you have issues with the service or the finance.
3. Contact the Finance Provider Directly: Do not contact Finlockremovals.co.uk to cancel the finance agreement itself. You must contact the finance provider e.g., the bank or credit company using the contact details provided in your agreement.
   • Inform them of your intention to cancel the agreement within the cooling-off period, if applicable.
   • Request a settlement figure if you intend to pay off the remaining balance early.
4. Understand Consequences of Cancellation:
   • If you cancel the finance agreement within the cooling-off period before work has commenced, the agreement will be void, and you will need to find an alternative way to pay for the work or cancel the service entirely with Finlockremovals.co.uk.
   • If work has already commenced or been completed, cancelling the finance agreement means you are still liable for the cost of the work directly to Finlockremovals.co.uk. You would then need to arrange direct payment to them.
   • Important Islamic Note: If you have entered into an interest-based finance agreement, immediately seeking to repay the full amount to eliminate the interest component as quickly as possible is the advised Islamic action, even if it incurs a small early repayment fee. This is to minimize engagement with Riba.

Cancelling a Service Order with Finlockremovals.co.uk Pre-Installation

If you have only signed an order for service with Finlockremovals.co.uk but before installation has begun, you might be able to cancel the service order.

• Contact Finlockremovals.co.uk: Reach out to them directly via phone 0800 915 3287 or their contact form/email.
• Review Their Terms and Conditions: Check any paperwork you received from Finlockremovals.co.uk regarding their cancellation policy for service orders. There might be a cooling-off period or cancellation fees if materials have been ordered or work scheduled.
• Act Promptly: The sooner you attempt to cancel, the better your chances of avoiding charges.

In summary, Finlockremovals.co.uk does not offer a subscription. Kamsautoacademy.com Reviews

Any “cancellation” concern would relate to a finance agreement you’ve entered into with a third-party lender, or cancelling the service order with Finlockremovals.co.uk before work commences.

Always prioritize avoiding Riba by repaying interest-based loans as soon as possible.

Finlockremovals.co.uk Pricing

Finlockremovals.co.uk does not display any direct pricing information on their website.

Instead, they operate on a quotation basis, requiring potential customers to request a “free quote without the need for a site visit.” This approach is common for specialized home improvement services where project costs vary significantly based on the scope of work, property size, accessibility, and specific requirements.

Absence of Publicly Available Price Lists

The website does not provide: Duncanlewis.co.uk Reviews

• Per-meter pricing: No indication of cost per linear meter for removal and replacement.
• Average project costs: No examples of typical project costs for different property types e.g., semi-detached, detached, bungalow.
• Pricing tiers or packages: No tiered service options with corresponding price ranges.

This lack of transparency means that a homeowner cannot get any sense of the potential investment without going through their specific quote process.

The Quote Process

The website states:

• “Get a FREE quote without the need for a site visit.”
• “It’s quick and easy You can get a quote without us needing to come to the site, it’s quick and easy and will only take around 10 minutes.”

This suggests they utilize satellite imagery, architectural plans, or customer-provided dimensions to generate a remote estimate.

While convenient, it also means the initial quote is based on assumptions and might be subject to change upon a detailed on-site survey.

Factors Influencing Concrete Gutter Removal Costs

The actual cost of Finlock gutter removal and replacement can be influenced by several factors, including: Izi.exchange Reviews

• Linear Metres: The total length of concrete guttering to be removed.
• Property Type and Size: Larger properties with more complex rooflines will naturally incur higher costs.
• Accessibility: Difficult access e.g., tight spaces, conservatories, unusual roof angles can increase labor and equipment costs.
• Condition of Existing Structure: Any unforeseen structural damage discovered after Finlock removal e.g., rotten timbers, damp issues requiring remediation would be additional costs.
• Waste Disposal: The cost of safely and legally disposing of concrete waste.
• Location: Regional labor and material costs can vary across England and Wales.

The “FCA Approved” Finance Option Riba-based

While no upfront pricing is given, the website prominently features financing options:

• “Spread the cost From as little as £45 a month FCA Approved”
• “Buy Now Pay Later Spread the cost of your new guttering for as little as £54 per month with £0 deposit*”
• “*Credit is subject to status and affordability”

This is a critical point from an Islamic perspective. These are clearly conventional finance schemes involving interest Riba. While they are presented as a convenience to make the service more affordable, they are fundamentally impermissible in Islam. The monthly payment figures e.g., £45 or £54 are indicative of a loan structure where the total amount paid will be greater than the principal service cost due to added interest or equivalent fees.

Recommendation for Muslims: Do not engage with these finance options. Instead, aim to save and pay for the service upfront to avoid Riba. If the service is urgent, explore genuinely Halal financing options through Islamic banks, or opt for contractors who accept direct payment schedules without third-party interest-based credit.

Finlockremovals.co.uk vs. Competitors

When evaluating Finlockremovals.co.uk against its competitors, it’s important to consider factors like specialization, geographic reach, guarantees, and critically, financial offerings.

The market for concrete gutter replacement isn’t as saturated as general guttering, but there are still several types of competitors. Tvfast.nl Reviews

Specialization vs. Generalists

• Finlockremovals.co.uk Specialist: Their unique selling proposition is their absolute focus on Finlock concrete gutter removal. They state, “Concrete gutter removal is all we do,” operating “5 teams that work nationwide.” This singular focus implies deep expertise, refined processes, and potentially faster completion times for this specific job. They often use specialized access equipment to save on scaffolding costs.
• General Roofing & Guttering Companies Generalists: Many local and regional roofing companies will also offer concrete gutter replacement as part of their broader services.
  • Pros: They might be more familiar with diverse roofing systems, offer a wider range of services e.g., roof repairs, fascias, soffits, general guttering, and provide a single point of contact for multiple home exterior needs. You might find a local generalist more willing to work on cash terms.
  • Cons: They might not have the same level of specialized experience with the intricacies of Finlock removal, potentially leading to longer project durations or less efficient processes. Their access equipment might require more conventional scaffolding, increasing costs.

Geographic Reach

• Finlockremovals.co.uk: “We serve the whole of England & Wales,” indicating a very broad operational area. This means they are an option for homeowners across a wide geography where specialized local contractors might be scarce.
• Competitors: Most direct competitors are likely to be regional or local businesses. While some larger roofing firms may cover a few counties, few match the nationwide reach of Finlockremovals.co.uk for this specific service. This might limit choices for homeowners in less populated areas.

Guarantees and Accreditations

• Finlockremovals.co.uk: They highlight “full peace of mind with our guarantees,” including:
  • 10-year insurance-backed guarantee
  • 20-year workmanship guarantee
  • 20-year material guarantee
  • They are also “FCA approved,” which they claim makes them “the only concrete guttering replacement company that can offer you finance options.”
• Competitors: Reputable competitors will also offer guarantees on their work and materials, typically ranging from 10 to 20 years. Insurance-backed guarantees are a significant plus and should be sought from any contractor. However, the “FCA Approved” finance aspect is where Finlockremovals.co.uk uniquely positions itself, which is a major negative for Muslims due to Riba.

Financial Offerings A Critical Differentiator for Muslims

• Finlockremovals.co.uk: Explicitly promotes “Buy Now Pay Later” and other finance options due to their FCA approval. This is the most significant negative differentiator from an Islamic perspective, as these are interest-based Riba schemes.
• Competitors: While some general contractors might also have partnerships with conventional finance providers, many local businesses operate on direct payment terms, allowing for cash payments, bank transfers, or structured payment plans as work progresses, which are generally permissible if no interest is involved.
  • Advantage for Muslims: Competitors who do not heavily push interest-based finance are preferable. It allows the customer to pay upfront or seek Halal alternatives without being funneled into problematic financial products.

Customer Experience & Reviews

Both Finlockremovals.co.uk and competitors rely on customer testimonials.

• Finlockremovals.co.uk presents positive snippets on their site.
• For competitors, it’s crucial to check independent review platforms Trustpilot, Google Reviews, Checkatrade, MyBuilder, local forums to gauge overall customer satisfaction, communication, quality of work, and post-installation support.

Conclusion for Muslims: While Finlockremovals.co.uk offers a specialized service with broad reach and strong guarantees, their explicit and prominent promotion of interest-based finance Riba makes them a problematic choice. When comparing, prioritize competitors who allow for upfront cash payment or offer more flexible, non-interest-bearing payment structures. The ideal scenario is to save and pay for the work in full to avoid any engagement with Riba, regardless of the service provider.

Guarantees and After-Care from Finlockremovals.co.uk

Finlockremovals.co.uk places a strong emphasis on providing peace of mind through various guarantees and a commitment to customer after-care.

This is a crucial aspect for any significant home improvement project, as it assures the homeowner of support and recourse should issues arise post-installation.

Comprehensive Guarantees Offered

The website explicitly lists three key guarantees, aiming to cover both the longevity of the materials and the quality of the installation: Thecollectorsclubcompetitions.com Reviews

1. 10-year insurance-backed guarantee: This is a significant guarantee. An insurance-backed guarantee means that if Finlockremovals.co.uk were to cease trading, the guarantee would still be honored by an independent insurer. This adds a crucial layer of financial protection for the homeowner. It ensures that the cost of rectifying defects or completing the work would be covered, even if the original company is no longer in business. This type of guarantee is often a sign of a reputable company, as it requires them to be vetted by an insurer.
2. 20-year workmanship guarantee: This covers the quality of the installation itself. It means that if there are any issues arising from faulty installation e.g., poor sealing, incorrect fitting within 20 years, the company should rectify them at no additional cost. This demonstrates confidence in their fitting teams’ skills and adherence to proper installation protocols.
3. 20-year material guarantee: This guarantee covers the uPVC materials used in the replacement. It assures the homeowner that the uPVC gutters themselves are free from manufacturing defects and will perform as expected for at least two decades under normal conditions. This includes guarantees against things like material degradation, cracking, or excessive discoloration.

These long-term guarantees are competitive within the home improvement sector and provide a substantial period of protection for the homeowner’s investment.

Dedicated Customer After-Care

Beyond the formal guarantees, Finlockremovals.co.uk states:

• “Dedicated customer after-care We value our after-care as highly as we value the order in the first place. We have a service team to handle any post installation issues.”

This indicates a commitment to supporting clients even after the primary installation is complete.

A dedicated service team suggests that they have established a process for handling inquiries, addressing concerns, and scheduling follow-up visits if needed.

This proactive approach to after-care can significantly enhance customer satisfaction and reduce potential frustrations if minor snags occur or adjustments are required. Tecdrives.com Reviews

Importance of Guarantees

For homeowners, especially for a specialized and structurally impactful job like concrete gutter removal, these guarantees are vital:

• Risk Mitigation: They reduce the financial risk associated with potential material failures or installation errors.
• Peace of Mind: Knowing that the work is covered for an extended period offers significant reassurance.
• Indicator of Quality: Companies that offer comprehensive, insurance-backed guarantees typically have confidence in their materials and workmanship, and often adhere to higher industry standards.

Caveat for Muslims: The Financial Aspect

While the guarantees themselves are positive, it’s essential to reiterate the Islamic perspective on the company’s financial offerings.

A strong guarantee on a service is commendable, but if the means of acquiring that service involves Riba interest-based financing, it negates the blessing Barakah and contradicts Islamic principles.

Therefore, while appreciating the robust guarantees, a Muslim consumer should still prioritize avoiding the company’s conventional finance options and seek to pay cash or via Sharia-compliant alternatives.

Common Concrete Guttering Problems Solved by Finlockremovals.co.uk

Finlockremovals.co.uk specifically addresses common issues associated with concrete Finlock gutters, which are a notorious problem for many older properties, particularly those built in the mid-22th century. Turbostrategy.io Reviews

The website highlights four key problems that their uPVC replacement solution aims to resolve.

Understanding these issues is critical for homeowners contemplating their services.

1. Bad Joins

• The Problem: Concrete gutters are typically constructed in sections, and the joins between these sections are highly susceptible to failure. Over time, due to thermal expansion and contraction, building movement, or degradation of the sealant/lining, these joins can crack or separate.
• Impact: Failed joins lead to water leakage, which can penetrate the property’s walls.
• Finlockremovals.co.uk’s Solution: By removing the entire concrete structure and replacing it with continuous uPVC guttering or properly joined uPVC sections designed for longevity, the inherent weakness of multiple failing concrete joins is eliminated. uPVC systems are designed for better sealing and flexibility.

2. Damp, Mould & Leaks

• The Problem: This is often a direct consequence of failed joins, cracked concrete, or compromised internal linings. When water leaks from Finlock gutters, it doesn’t just drip outside. it often penetrates the building fabric directly below the gutter line. Concrete is porous, and a failing Finlock can act like a sponge, drawing moisture into the cavity or solid walls.
• Impact:
  • Internal Damp: Visible damp patches on internal walls and ceilings, particularly on the top floor.
  • Mould Growth: Proliferation of black mould, posing health risks and damaging interior finishes.
  • Timber Rot: Persistent dampness can lead to the rotting of roof timbers, joists, and wall plates, compromising structural integrity.
  • Reduced Insulation Effectiveness: Wet insulation loses its thermal properties, increasing heating costs.
• Finlockremovals.co.uk’s Solution: Complete removal of the concrete gutter eliminates the source of the damp. The new uPVC system provides a watertight channel for rainwater, redirecting it effectively away from the building envelope and resolving the damp and mould issues.

3. Failed Lining

• The Problem: Many homeowners attempt to repair leaking Finlock gutters by applying internal linings e.g., fiberglass, bitumen, or liquid plastics. While this can offer a temporary fix, these linings often fail relatively quickly due to the movement of the concrete, UV exposure, or improper application. As the Finlock gutter itself is still structurally unsound and moving, the lining is put under constant stress.
• Impact: A failed lining means the gutter is still leaking, and the homeowner has invested money in a short-term, ineffective solution.
• Finlockremovals.co.uk’s Solution: They advocate for complete removal rather than temporary lining repairs. Their stance, as seen in a customer testimonial “Our concrete gutters were leaking, we’d had them lined by another company but apparently that counted for nothing. We decided to get them removed by Finlock Removals and haven’t looked back”, is that lining is often a false economy. Replacing the entire system with uPVC offers a permanent solution.

4. Internal Damage

• The Problem: This encompasses a broader range of issues resulting from prolonged water ingress. Beyond just damp and mould, constant exposure to moisture can cause significant damage to the hidden structural elements of the roof and walls.
  • Timber Degradation: Rotting fascias, soffits, and roof timbers are common. In severe cases, this can compromise the roof structure itself.
  • Brickwork Damage: Freeze-thaw cycles can cause brickwork to spall flake or crumble if constantly saturated.
  • Plasterboard & Decor Damage: Internal plasterboard can soften and disintegrate, and paint or wallpaper can peel and stain.
  • Reduced Property Value: Undisclosed or visible Finlock issues can significantly reduce a property’s market value, as potential buyers factor in the cost and hassle of remediation. One testimonial on their site states, “We were looking at selling our property but found that buyers were trying to haggle money off because our property had concrete gutters.”
• Finlockremovals.co.uk’s Solution: By removing the faulty Finlock gutters, they eliminate the source of moisture intrusion, allowing the property to dry out and preventing further internal damage. While they replace the guttering, any existing internal structural damage discovered would likely require additional work by other contractors. However, removing the source of the problem is the first crucial step.

In essence, Finlockremovals.co.uk positions itself as the definitive solution to the multifaceted and often severe problems posed by aging concrete Finlock gutters, advocating for complete replacement over temporary fixes.

The Process of Finlock Gutter Removal and Replacement

Finlockremovals.co.uk emphasizes a “hassle-free process” for the removal of concrete gutters and their replacement with uPVC systems.

While the website doesn’t detail every single step, it outlines the key stages from initial inquiry to completion. Sellerchamp.com Reviews

1. Initial Contact and Free Remote Quote

• Customer Action: The process begins with the homeowner contacting Finlockremovals.co.uk, typically via phone or their online “Get a FREE Quote” form. The form requires basic contact information and property details.
• Remote Assessment: The company states they can provide a quote “without the need for a site visit.” This implies they use tools like satellite imagery e.g., Google Earth, architectural drawings, or customer-provided measurements and photos to assess the property’s guttering.
• Quote Delivery: Within “around 10 minutes” as per their claim for the quote request process, they aim to provide a detailed quote. This quote would outline the proposed work, materials, and estimated cost.

2. Agreement and Scheduling

• Customer Decision: If the homeowner accepts the quote, they proceed to formalize the agreement. The website mentions “Signed the order form online” in one testimonial, suggesting an efficient digital contracting process.
• Scheduling: Once the order is confirmed, the installation date is scheduled. The company claims to have “5 teams that work nationwide,” implying a capacity to manage multiple projects and potentially offer reasonable lead times.

3. On-Site Installation The Core Work

This is the most critical phase, executed by their specialized teams.

• Arrival and Setup: The Finlockremovals.co.uk team arrives with “the latest access equipment to save you on scaffolding.” This could include mobile elevated work platforms MEWPs like scissor lifts or cherry pickers, which are faster to set up and move than traditional scaffolding, potentially reducing disruption and costs.
• Safe Concrete Gutter Removal: This is the core of their specialized service. The concrete Finlock sections are heavy and can be structurally integrated into the roofline. The removal process involves:
  • Careful Dismantling: Sections are carefully cut or broken apart.
  • Waste Management: The heavy concrete debris must be safely lowered and removed from the site. The website mentions “Finlock Removals have a tried, tested, and proven method for safe Finlock guttering removal.”
  • Preparation of Roofline: Once the concrete is removed, the roofline where the gutters were originally installed needs to be prepared for the new uPVC system. This may involve minor adjustments to timber eaves or fascia boards.
• uPVC Gutter and Fascia/Soffit Installation: New uPVC guttering is then installed. This typically involves:
  • Fitting uPVC Fascia Boards: These are often installed over or in place of existing timber fascias to provide a stable, weather-resistant surface for the gutters.
  • Installing uPVC Soffits if applicable: If the eaves also require attention, new uPVC soffits are fitted under the eaves.
  • Attaching uPVC Gutters: The new uPVC gutters are securely fixed to the fascia boards, ensuring correct pitch for water flow.
  • Downpipes: New uPVC downpipes are connected to the gutters to direct rainwater away from the property.
• Site Clearance: After installation, the team ensures the work area is thoroughly cleaned, and all debris including the removed concrete is taken away. Testimonials highlight this, e.g., “took the access equipment away with them.”

4. Post-Installation & After-Care

• Quality Check: While not explicitly stated as a formal step, reputable contractors perform an internal quality check before concluding the job.
• Customer Satisfaction: The company emphasizes “dedicated customer after-care,” suggesting they are available for any post-installation queries or issues that may arise.
• Guarantees Activated: The 10-year insurance-backed, 20-year workmanship, and 20-year material guarantees come into effect.

The process, as described, aims for efficiency and minimal disruption, leveraging their specialization and equipment to provide a comprehensive solution for Finlock gutter problems.

Frequently Asked Questions

What does Finlockremovals.co.uk do?

Finlockremovals.co.uk specializes in the removal of old, failing concrete Finlock gutters and their replacement with new, durable uPVC guttering systems for properties across England and Wales.

Is Finlockremovals.co.uk FCA approved?

Yes, Finlockremovals.co.uk states on their website that they are FCA approved, which allows them to offer finance options like “Buy Now Pay Later” for their services.

Can I get a free quote from Finlockremovals.co.uk?

Yes, Finlockremovals.co.uk offers a free quote service that does not require an in-person site visit, claiming it can be done quickly, usually within 10 minutes. Honeypotfurniture.co.uk Reviews

Does Finlockremovals.co.uk offer financing options?

Yes, they explicitly state they offer finance options, including “Buy Now Pay Later,” with monthly payment plans, due to their FCA approval.

Are the finance options offered by Finlockremovals.co.uk permissible in Islam?

No, the finance options offered by Finlockremovals.co.uk, being conventional “Buy Now Pay Later” schemes and implying interest, are generally considered impermissible haram in Islam due to involvement with Riba usury.

What are the alternatives to Finlockremovals.co.uk’s finance options for Muslims?

Muslims should prioritize saving and paying upfront in cash to avoid Riba.

If immediate payment is not possible, exploring genuinely Sharia-compliant financing through Islamic banks e.g., Murabaha, Ijarah or seeking contractors who accept direct, interest-free payment schedules are better alternatives.

What kind of gutters do Finlockremovals.co.uk install as replacements?

They install Grade A uPVC guttering systems as replacements for concrete Finlock gutters.

What problems do concrete Finlock gutters cause?

Finlockremovals.co.uk highlights several issues, including bad joins, damp, mould & leaks, failed internal linings, and general internal damage to the property structure.

How long have Finlockremovals.co.uk been in business?

The website states they have “Over 20 years of industry experience,” referring to their combined team experience.

What guarantees does Finlockremovals.co.uk offer?

They offer a 10-year insurance-backed guarantee, a 20-year workmanship guarantee, and a 20-year material guarantee.

Does Finlockremovals.co.uk serve my area?

They state they “serve the whole of England & Wales,” indicating a broad geographic reach.

Do they need scaffolding to remove the concrete gutters?

The website claims their “highly qualified installation teams” are “equipped with the latest access equipment to save you on scaffolding.”

Is Finlockremovals.co.uk a general guttering company?

No, they are highly specialized, stating that concrete gutter removal and replacement is “all we do.”

How quickly can Finlockremovals.co.uk provide a quote?

They claim their remote quote process is quick and easy, taking “only around 10 minutes.”

Does Finlockremovals.co.uk have customer testimonials?

Yes, the website features several customer testimonials, some with photos, from various locations across the UK.

What should I look for in an alternative contractor for concrete gutter removal?

Look for contractors with good local reputations, transparent pricing, strong guarantees, and importantly, who allow for upfront cash payment or Sharia-compliant payment structures without conventional interest-bearing finance.

Can Finlockremovals.co.uk help if I have damp caused by my concrete gutters?

Yes, resolving damp, mould, and leaks caused by failing concrete gutters is one of the primary problems their uPVC replacement solution aims to fix.

What is the advantage of uPVC over concrete gutters?

UPVC is durable, lightweight, non-porous, and typically comes in continuous sections or with superior sealing, making it less prone to leaks, cracks, and the issues associated with concrete gutters.

How do I contact Finlockremovals.co.uk?

You can contact them via their phone number 0800 915 3287 or through the free quote form on their website.

What happens to the old concrete gutters after removal?

Finlockremovals.co.uk’s service includes the removal and presumably disposal of the old concrete guttering as part of their comprehensive solution, ensuring the site is clear after work.

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